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Create a program that can detect potential fraudulent activity.
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The program should be able to detect potential fraudulent activity by monitoring activity such as large, sudden payments or non-recurring payments from unknown or suspicious sources. The program should also be capable of flagging multiple payments from a single source, as well as multiple payments made on a single day. Additionally, the program should detect payments that contain keywords associated with fraud or suspicious activity, as well as activity from high-risk countries.